Features and benefits of gold loan

Avail of a Bajaj Finserv Gold Loan at attractive interest rates. These loans have a hassle-free application process. On meeting our simple eligibility criteria, the loans are disbursed directly in your account. Our Gold Loan comes with a host of benefits and features such as easy repayment options, transparent evaluation and complementary gold insurance among other things.

  • Transparent evaluation
    Transparent evaluation

    Have your gold jewellery evaluated with an industry-grade carat meter, ensuring authenticity and accuracy.

  • Loan up to Rs. 1 crore
    Loan up to Rs. 1 crore

    Obtain a sizeable loan against gold and finance big-ticket personal and professional expenses easily.

  • Easy repayment solutions
    Easy repayment solutions

    Pay regular EMIs or opt to pay interest periodically – select from a comprehensive suite of repayment options.

  • Industry-best safety protocols
    Industry-best safety protocols

    Your gold items are stored in top-of-the-line vaults under 24x7 surveillance in motion detector-equipped rooms.

  • Part-release facility
    Part-release facility

    Release pledged gold items partially when necessary by repaying the equivalent amount.

  • Part-prepayment and foreclosure options
    Part-prepayment and foreclosure options

    Have the option to part-prepay or foreclose your loan with zero charges.

  • Complementary gold insurance
    Complementary gold insurance

    Avail of a gold loan and get a complimentary gold insurance policy. The pledged items are insured against theft and misplacement.

Gold assets possess immense cultural and social significance in India. At times of emergencies, individuals can also obtain sizeable funds against gold, leveraging its equity. Obtain a Bajaj Finserv Gold Loan instantly by submitting only a handful of documents.

Utilise an easy gold loan with zero end-use restriction to meet urgent requirements, like a medical emergency or restocking inventory. Repay the amount flexibly at nominal interest rates and enjoy a hassle-free experience.

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Documents required for a gold loan

Apply for a loan against gold from Bajaj Finserv by submitting only identity and address proof. These include:

  • Aadhaar card
  • Voter ID card
  • PAN card
  • Passport
  • Driving license
  • Electricity bill
  • Rental agreement

Interest rates and charges for gold loan

Obtain a gold finance loan at nominal interest rates from us. The ancillary charges are competitive as well, making us one of the top gold loan providers nationally. Check the gold loan interest rates for more details.

Highest loan per gram

The highest gold loan per gram refers to the maximum loan amount a borrower can avail against the market value of one-gram gold. This rate is also known as LTV, denoted in percentage (%). An appraiser evaluates the market value of gold items and determines the LTV to decide the available amount of gold loan today or on the day of application.

RBI caps the LTV at 75% on an online gold loan. However, this rate can vary. Obtain the highest per gram value of the pledged gold assets from Bajaj Finserv today.

Frequently asked questions

What is a gold loan?

A gold loan lets individuals borrow a particular amount premised on the market value of the gold items they pledge. A financier determines the available loan amount after assessing the pledged gold items’ worth and applicable LTV.

How to get a gold loan?

Avail of a gold loan scheme by visiting the nearest branch of Bajaj Finserv. You can also obtain a loan from the comfort of your home by applying online. Our representative will contact you for further proceedings.

Who is eligible to get a gold loan?

Professionals, salaried and self-employed individuals, traders, farmers,
and businesspersons can avail of a gold loan service. They must be aged between 21 and 70 years.

When should you apply for a gold loan?

You can obtain an offline or online gold loan anytime. It depends on your financial requirements. Gold loans are disbursed instantly, making for a suitable source of emergency financing.

Can you get a gold loan on jewellery?

You can avail of a loan against your gold jewellery.

Is a CIBIL score required for a gold loan?

A CIBIL score is not mandatory to acquire a loan against gold. However, you can enjoy competitive interest rates and repayment terms with a healthy credit score.

What happens if a gold loan is not paid?

If a gold loan is not repaid, the financier can sell or auction off the
pledged items to recoup their losses.

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